Below there is a list of ways to increase your chances to get cheap car insurance. Some of the techniques you will find very helpful while other might not fit your exact situation, but by using any of these ideas you will be able to save some money.

1. Get Rate Comparisons: This is one of the simplest ways to get lower cost insurance. Insurance companies offer different prices, so check as many companies as you can for quotes.

2. Don’t Make Monthly Payments: Making monthly payments is usually the most expensive way to pay for a policy. Try to pay the policy in full or in two payments if possible to save the most money.

3. Use Electronic Funds Transfer: By using this option you can save up to 6 dollars per bill that’s a savings of $72 per year if you chose a monthly billing cycle. It’s easy and very secure, your payments will be automatically deducted from your saving or checking account.

4. Buy The Policy Early: There are insurance companies that you can get a discount from if you buy your policy a week before you need it to start.

5. Credit Scoring: Most insurance companies have gone to insurance credit scoring. This takes many more factors into consideration than just your credit score, but you score still make up a big chunk of it. If you can raise your credit score you will most likely pay less. There are companies that if you refuse to give your social security number they then can’t run a credit analysis. Then they will give you a general rate which might be good if you know you have bad credit.

6. Driver Training: If you take a drivers training class you will receive an additional discount. The class will usually pay for itself the first year and you will receive a discount for 3 years. Once the discount expires you can take another class.

7. Increase Your Collision Deductible: By increasing your deductible to $1000 from $500 you can easily save $100 but be aware you take on more risk. Your comprehensive deductible isn’t recommended to be raised because it is relatively inexpensive to begin with.

8. Find Out If Other Discounts Are Available: You could be missing out on multiple discounts, if you don’t ask. So, ask about, automobile safety devices, multiple policy, multiple automobile, good student or safe driver discounts, just to mention a few.

This article in no way or form is a professional consultation. Please seek advice from a licensed insurance agent for specific information to help you individually.

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